Tools · Gross to net
What your salary is worth on the ground.
Write in a gross figure and the plate strikes your take-home after Spanish income tax and Social Security, for an employee or an autónomo, with the Beckham Law alternative alongside so you can see what the flat rate changes.
Net take-home, per month
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- —Under Beckham
- —Difference a year
How this estimate works
- IRPF (income tax) uses approximate combined national and regional rates (19% to 47%) applied after the personal allowance of €5,550 and, for employees, the standard work-expense deduction of €2,000.
- Employee Social Security is the employee share only: 4.70% general contingencies, 1.55% unemployment, 0.10% training and the 0.15% MEI surcharge, paid on salary up to the maximum contribution base (€5,101.20 a month in 2026, updated each January). Your employer pays roughly another 30% on top, which is not shown here.
- Autónomo RETA quota follows the income-linked table (€200 to €590 a month) introduced by the 2023 reform and held for 2025 and 2026. Autónomos also make quarterly IRPF advance payments (pagos fraccionados, 20%).
- Beckham Law applies a flat 24% on gross with no personal allowance and no work deduction. Income above €600,000 is taxed at 47%. Social Security is unchanged. The regime is open to employees, including Digital Nomad Visa teleworkers, and to company directors. A freelancer qualifies only if the activity is certified as entrepreneurial or highly qualified, which most 1099 setups are not.
- Madrid runs roughly two to three points below the national average through its regional scale. Catalonia and Valencia run slightly higher.
Not legal or financial advice. Illustrative figures. Actual tax depends on your autonomous community, marital status, dependants, deductions and income classification. Speak to a tax adviser before deciding anything.
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